I did ring them
Hi all,
Sorry for not responding straight away, yes I did ring and it was good new for me, so we were off there and then.
I was told the following…
When you join RAC directly you have to inform them that you are joining under the "Arrival Camping & Caravan Club" scheme, which is what I did when the NFU stopped offering the service and provided you meet the following criteria there are no length, width, height and weight restrictions and as our coach is a pusher it is a flat bed recovery not suspend tow (flat bed = full size HGV/Commercial recovery trailer not these 7.5 ton jobbies they pick cars up with).
1. You must join the Arrival Camping & Caravan Club scheme within the RAC - not just the RAC standard service
2. You must have current Camping & Caravan Club membership and be prepared to prove it if asked
3. You do not have to have Camping & Caravan Club insurance policy
4. The MH must have current road use/worthiness certificates etc - Road Tax, Insurance, MoT [if required] etc
5. The MH MUST be a custom build -i.e. built by a recognised manufacture whether still in business or not
6. The MH must not be a home built model based on any chassis, i.e. van conversion, bus or coach conversions etc (I don't know why - never thought to ask - sorry)
If you do not meet the above then there are many restrictions on length, width, height and weight, for example if a MH is built or a panel van conversion then 3500KG seems to be the weight limit, some classes have a width restriction of 2.35 meters and so the restrictions list goes on, the RAC direct agent was rattling them off to me, again as they did not directly affect me I can't recall them all today sorry.
The only restriction I seem to have based on the conversation with them is that my toad is not covered if drivable, so if it genuinely disabled there is an easy solution to that I guess, my better half and I have joint cover so we just remove the A Frame and she can claim she was driving that!
I believe that insures like comfort offer their cover very differently - I could be wrong here as it is many years since we were insured with them, but when we were, it was not a direct member of the RAC, Comfort was a commercial member and we paid them an additional reinsurance fee for the cover extension and in the event of a need to use the recovery (as we did one day) comfort pay all the bills for commercial RAC recovery (put out to third parties in those days) and claimed it back via their reinsures - anyone please correct me if I am wrong and its no longer like this.
I hope that clears some issues in this post and probably starts more…!